PRIVACY POLICY INFORMATION

In order to better serve your needs now and in the future, we may ask you to provide us with certain non-public personal information (NPI). We understand that you may be concerned about what we will do with such information, particularly any personal or financial information. We agree that you have a right to know how we will utilize the NPI you provide to us. Therefore, we have adopted this Privacy Policy to govern the use and handling of your NPI.

Applicability

This Privacy Policy governs our use of the information that you provide to us. It does not govern the manner in which we may use information we have obtained from any other source, such as information obtained from a public record or from another person or entity. BDTC has also adopted broader guidelines that govern our use of NPI regardless of its source. BDTC calls these guidelines is Fair Information Values.

The types of NPI that may collect include:

• Information we receive from you on applications, forms and in other communications to us, whether in writing, in person, by telephone or any other means
• Information about your transactions with us, or others
• Information we receive from a consumer reporting agency
• Information we receive from a financial institution
• Information we receive from a licensed realtor

We request information from you for our own legitimate business purposes and not for the benefit of any non-affiliated party. Therefore, we will not release your information to non-affiliated parties except: (1) as necessary for us to provide the product or serve you have requested of us; or (2) as permitted by law. We may, however, store such information indefinitely, including the period after which any customer relationship has ceased. Such information may be used for any internal purpose, such as quality control efforts or customer analysis. We may also provide all of the types of NPI listed above to one or more of our affiliated companies. Such affiliated companies include financial service providers, such a title insurers, property and casualty insurers, and trust and investment advisory companies, or companies involved in real estate services, such as appraisal companies, home warranty companies, and escrow companies. 

Even if you are no longer our customer, our Privacy Policy will continue to apply to you and your NPI.

We will use our best efforts to ensure that no unauthorized parties have access to any of your information. We restrict access to NPI about you to those individuals and entities who need to know that information to provide products or services to you. We will use our best efforts to train and oversee our employees and agents to ensure that your information will be handled responsibly and in accordance with this Privacy Policy and Fair Information Values. We currently maintain physical, electronic and procedural safeguards that comply with federal regulation, including but not limited to ALTA Best 

Practices, to guard your NPI.

Our Company does not collect information through our web site. We may, however, from time to time, retrieve information about you through general Internet search engines, but as a general rule that information is not considered NPI.

At this time our web site does not contain links to other web sites. In the future should this occur, we will try to link only to sites that share our high standards and respect for privacy, however, we will not be responsible for the content or the privacy practices employed by other linked sites.

We consider consumer expectations about their privacy in all our business practices. We only offer products and services that assure a favorable balance between consumer benefits and consumer privacy.

We believe that an open public record creates significant value for society, enhances consumer choice and creates consumer opportunity. We actively support an open public record and emphasize its importance and contribution to our economy.

We believe we should behave responsibly when we use information about a consumer in our business. We will obey the laws governing the collection, use and dissemination of data.

We will take reasonable steps to help assure the accuracy of the data we collect use and disseminate. Where possible, we will take reasonable steps to correct inaccurate data so that the consumer can secure the required corrections.

We endeavor to educate the users of our products and services, our employees, and others in our industry about the importance of consumer privacy. We will instruct our employees on our Fair Information Values and on the responsible collection and use of data. We will encourage others in our industry to collect and use information in a responsible manner.

Security. We will maintain appropriate facilities and systems to safeguard against unauthorized access to and corruption of the data we maintain.